IndusInd Bank Growth and Risk Management

We serve customers with high aspiration though low on literacy and moderate on tech quotient • • Profile of Our Customers Rural women entrepreneurs and nano-retailers high on aspiration though low on literacy levels Largely bottom-of-the-pyramid segment. We are the only financier for 56% of our customers • • Where are our customers from? Predominantly rural base ~80% Spread across 23 states, 517 districts and 132000 villages Involved in Agri and allied activities, animal husbandry, handloom & handicrafts, rural trade etc., 2025 2020 2019 2018 2017 2016 *Source: Statista; Leveraging the J-A-M Trinity Smartphone penetration in India* (%) 78.4% 54.2% 46.4% 35.4% 29.5% 23.0% IndusInd Bank

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